Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $425Fees | 0.055%Below | 569 | |
2 | Bank Five NineBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $919Fees | 0.210%Above | 567 | |
3 | The Equitable Bank, S.S.B.Bank | Exceptional | Exceptional | — | Strong | Exceptional | $656Fees | 0.023%Above | 197 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,738Fees | 0.258%Above | 590 | |
5 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,432Fees | 0.142%Above | 225 | |
6 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,105Fees | 0.335%Above | 197 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,334Fees | 0.367%Above | 114 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,763Fees | 0.372%Above | 102 | |
9 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Sound | Strong | Exceptional | $1,306Fees | 0.313%Above | 373 | |
10 | Waukesha State BankBank | Exceptional | Strong | — | Strong | Exceptional | $337Fees | 0.149%Above | 313 | |
11 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $923Fees | 0.147%Above | 251 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $264Fees | 0.144%Above | 230 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $758Fees | 0.080%Above | 77 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,765Fees | 0.472%Above | 953 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,758Fees | 0.377%Above | 815 | |
16 | University of Wisconsin Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $261Fees | 0.158%Above | 692 | |
17 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,562Fees | 0.337%Above | 306 | |
18 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $2,103Fees | 0.466%Above | 279 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,955Fees | 0.458%Above | 126 | |
20 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,813Fees | 0.325%Above | 118 | |
21 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,585Fees | 0.469%Above | 96 | |
22 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $658Fees | 0.353%Above | 92 | |
23 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,169Fees | 0.264%Above | 283 | |
24 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,876Fees | 0.484%Above | 110 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,559Fees | 0.389%Above | 110 | |
26 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,357Fees | 0.485%Above | 108 | |
27 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $432Fees | 0.367%Above | 65 | |
28 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,263Fees | 0.563%Above | 62 | |
29 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,497Fees | 0.357%Above | 408 | |
30 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,927Fees | 0.133%Above | 357 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,713Fees | 0.675%Above | 248 | |
32 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,716Fees | 0.241%Above | 220 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,894Fees | 0.251%Above | 172 | |
34 | BMO Bank National AssociationBank | Strong | Sound | Strong | Sound | Strong | $39Credit | 0.300%Above | 160 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,223Fees | 0.590%Above | 159 | |
36 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,949Fees | 0.452%Above | 153 | |
37 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,979Fees | 0.263%Above | 120 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,604Fees | 0.492%Above | 101 | |
39 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $865Fees | 0.268%Above | 57 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,200Fees | 0.512%Above | 185 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,450Fees | 0.807%Above | 97 | |
42 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,610Fees | 0.342%Above | 75 | |
43 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,740Fees | 0.761%Above | 51 | |
44 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,732Fees | 0.498%Above | 36 | |
45 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $1,960Fees | 0.479%Above | 215 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,178Fees | 0.505%Above | 193 | |
47 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,208Fees | 0.438%Above | 97 | |
48 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,708Fees | 0.775%Above | 75 | |
49 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,685Fees | 0.405%Above | 68 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,590Fees | 0.368%Above | 37 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.